Checking Accounts

Why pay fees when you don't have to?


​​​​​​​Features of Checking Accounts at WFCU:

  • No Monthly Fee

  • No Minimum Balance*

  • Digital Banking access from Desktop or Mobile App

  • Free Debit Card with access to 30,000+ ATMs and 5,000+ Shared Branches

FRESH START, THRIVE AND PROSPER CHECKING ACCOUNTS
Compare accounts below, or learn more about each account by clicking on the account name at the bottom of this page.

Compare Accounts
  FRESH START THRIVE PROSPER
Rewards None Rewards Debit Card Earn up to 0.50% APY** Dividend with an average daily balance of $2,500
Free Mobile Check Deposit After 6 mo. review of account After 30 days After 30 days
Overdraft Privilege*** Not Available Automatic after 30 days Automatic after 30 days
Overdraft Protection**** Upon Request Upon Request Upon Request
Shared Branching Access After 60 days After 60 days After 60 days
External Transfers After 6 mo. review of account
Qualifications 599 Credit Score and below 600 Credit Score and above 600 Credit Score and above
Required eStatements No No
Required Direct Deposit No No
Required Average Balance None None $2,500
FRESH START

This account is ideal for:
- Students and young adults seeking a simple checking account
- New Members with limited or no prior account, loan, or credit history
- Members with past charge-offs or overdrafts at other financial institutions
- Members looking for a basic, straight-forward account with no overdraft risk or fees

Benefits:
· No monthly account fee· No minimum balance

Qualifications:
· No credit score or credit score below 600

This account is ideal for:
- Students and young adults seeking a simple checking account
- New Members with limited or no prior account, loan, or credit history
- Members with past charge-offs or overdrafts at other financial institutions
- Members looking for a basic, straight-forward account with no overdraft risk or fees

Benefits:
· No monthly account fee· No minimum balance

Qualifications:
· No credit score or credit score below 600

THRIVE

This account is ideal for:
Members who use their debit card frequently and want to earn rewards for everyday debit card purchases.

Benefits:

  • Rewards Debit Card

    • Earn up to $10 in points each month, redeemable as cash through card awards.

    • point earned per dollar spent on purchases over $5

    • 400 points = $1 redeemable

    • Points expire after one year if not redeemed

    • Awards Debit Card is only available with a THRIVE Checking Account.


Redeem Points Now

PROSPER

This account is ideal for:
Members who maintain an average daily balance of $2,500 or more.

Benefits:

  • High Rate Checking

    • Earn up to 0.50% APY***** on balances up to $25,000 by meeting monthly requirements:

      • Maintain an average daily balance of $2,500 in the Prosper Checking account

      • Receive at least one direct deposit per month

      • Opt-in for e-Statements



Qualifications:
-Credit Score of 600 or higher or a Premier Checking Account

FAQs

Frequently Asked Questions About Our New Checking Accounts

General
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What’s the difference between Fresh Start, Thrive, and Prosper Checking?
Fresh Start: Designed for members with credit challenges or a ChexSystems record.
Thrive: Offers rewards for debit card usage.
Prosper: Earns interest on balances for those maintaining higher balances.

How will I know about the fees for these accounts?
All fees are listed in the fee schedule provided during account opening and are available online or in-branch.

Are there any age restrictions for these accounts?
No, but minors typically qualify for Fresh Start Checking since they may not have a credit score. Minors must also have a joint account holder of legal age.

Which checking account should I choose?
Fresh Start: Ideal if you’re rebuilding your financial history or new to credit.
Thrive: Great if you use your debit card often and want to earn rewards.
Prosper: Perfect if you maintain higher balances and want to earn interest.
Fresh Start Checking

How long do I need to keep a Fresh Start Checking account in good standing before upgrading?
You’ll need to maintain the account in good standing for 12 months before requesting an upgrade to Thrive or Prosper Checking if you didn’t qualify at the time of opening.

Are there any fees with Fresh Start Checking?
There are no monthly account fees or overdraft fees, but other fees, like NSF or ATM fees, may apply.

Do Fresh Start Checking accounts earn interest or rewards?
No, this account doesn’t earn interest or debit card rewards.

What if my credit score improves while I have Fresh Start Checking?
You can request a review to upgrade to Thrive or Prosper Checking after the 12-month period.

Why should I choose Fresh Start Checking?
Fresh Start is ideal if you’re rebuilding your financial history, have limited credit experience, or want a simple account with no risk of overdraft fees.

Thrive and Prosper Checking
What rewards can I earn with Thrive Checking?
You’ll earn 1 point per dollar spent on purchases over $5. Points can be redeemed as cash and expire after one year if not used.

How do I track and redeem debit card rewards points for Thrive Checking?
Points are tracked through the Card Awards program portal, accessible via Digital Banking, and may be redeemed within the Card Awards system.

How can I earn interest with Prosper Checking?
You’ll need to meet monthly requirements, including maintaining a $2,500 balance, receiving at least $200 in direct deposits, and opting in for e-statements.

What happens if I don’t meet Prosper Checking’s interest requirements?
If the requirements aren’t met, the account won’t earn interest for that month.

What happens if I don’t redeem my Thrive Checking rewards points?
Points expire after one year if they aren’t redeemed.

Access your accounts with Online and Mobile Banking

-WFCU Online and WFCU Mobile are free and give you convenient access to your accounts anytime, anywhere.
-Customize which accounts you see and how they appear when you log in to your WFCU Online account.
-Pay bills with Bill Pay, free of charge.
-Schedule and cancel transfers, set alerts, and more.
-Access your accounts from your mobile device.
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TELEPHONE
Access your account 24/7 by phone at 316.941.0600.
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​​​​​​​*No Minimum Balance is required except to earn dividends with the Prosper Checking Account; a daily balance of $2,500 is necessary. **APY = Annual Percentage Yield. ***Overdraft Privilege is not available for Fresh Start, and is automatic for Thrive and Prosper after 30 days unless qualifications are not met or the member opts out. Overdraft Privilege may be available to eligible account types open at least 30 days and maintained in good standing. To qualify, you must deposit at least $400 every 30 days consistent with your past practices, bring your account to a positive balance at least once every 30 days, have recent share activity, and be current on all Credit Union loan obligations (no delinquencies over 30 days and no charged-off shares or loans). Accounts subject to legal or administrative orders, levies, bankruptcy, or tax liens are not eligible. Payment of overdrafts is discretionary, and you are responsible for repaying any overdraft balance and applicable fees.****Overdraft Protection is optional, and allows members to protect their checking account with a savings account, plus a $2.00 fee for each transfer needed to cover charges. *****APY = Annual Percentage Yield.
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